Kemper vs Texas Farm Bureau: which is better for car insurance in 2026?
Across our six scoring categories, Kemper comes out ahead in 1, Texas Farm Bureau in 1, with 4 too close to call. There is no overall score to compare, though: Texas Farm Bureau does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. Kemper is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.
Kemper vs Texas Farm Bureau, side by side
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Category by category
Price
Too close to callTexas Farm Bureau does not release public rate data, so there is no like-for-like premium to set against Kemper's $2,422/yr. That is a real gap in the comparison, not a rounding error — treat Texas Farm Bureau's price as unknown until you have a quote in hand.
$2,422 a year for full coverage on our standard benchmark, 3% above the national average — but Kemper's actual customers are drivers who would pay far more, or be refused outright, almost anywhere else.
Texas Farm Bureau is not included in the rate study behind every other premium in this review.
Claims satisfaction
Too close to callNeither pulls ahead on claims satisfaction: Kemper posts Not rated and Texas Farm Bureau Not rated, a difference too small to choose on.
Not in the J.D. Power claims study, which samples only the largest insurers.
Not in the J.D. Power claims study, which samples only the largest insurers.
Complaint record
Texas Farm Bureau aheadTexas Farm Bureau takes complaint record on Far fewer than expected against Kemper's Far more than expected.
Far more complaints than expected for its size. Non-standard carriers tend to run high on this measure, which is context rather than an excuse.
Far fewer complaints than expected for its size — the strongest band we assign, and comfortably its best measure.
Financial strength
Kemper aheadKemper takes financial strength on A- against Texas Farm Bureau's B++.
AM Best A- (Excellent). Parent Kemper Corporation is publicly traded.
AM Best B++ (Good), after downgrades from A (Excellent) to A- in April 2024 and then to B++. That is below the A- floor most comparison sites treat as a minimum.
Discounts
Too close to callNeither pulls ahead on discounts: Kemper posts 6 published and Texas Farm Bureau Not published, a difference too small to choose on.
A shorter list than standard-market carriers, plus Kemper Co-Pilot telematics with a 10% signup discount.
No discount list we could read on its own site.
Digital experience
Too close to callNeither pulls ahead on digital experience: Kemper posts 2.44 iOS / 3.6 Android and Texas Farm Bureau Not published, a difference too small to choose on.
2.44 on the App Store and 3.6 on Google Play. The current app relaunched in mid-2026, so those scores reflect a new listing rather than a settled one.
No app-store figures we could verify from a primary source.
So which one?
Pick Kemper if…
- You are among drivers turned down elsewhere because of their record or credit.
- Financial strength is a priority; Kemper holds A- from AM Best.
- Availability fits: 38 states, specialising in non-standard auto.
Pick Texas Farm Bureau if…
- You are among texas drivers willing to join farm bureau for a low-complaint insurer.
- You want the lower complaint record — Texas Farm Bureau sits at Far fewer than expected.
- Availability fits: 1 state — Texas only, and membership is required.
Kemper vs Texas Farm Bureau, answered
The questions people ask before switching between these two.
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